(800) 438-7180

Frequently Asked Questions

General Questions

We offer Final Expense Life Insurance and Accidental Death and Dismemberment Insurance. Child Rider coverage may also be available for eligible children.

Policyholders may also enroll in additional benefits such as Identity Theft Restoration Services, Dental/Vision/Pharmacy Discount Plans, Auto Expense Protection, Final Affairs Settlement, and Healthcare System Navigation or Medical Bill Reduction Plans.

If you would like to update your contact information please give us a call at (800) 438‑7180.

You may also email, Fax, or write to P.O. Box 29045, Phoenix AZ 85038-9045.

We'd be happy to provide a final expense life insurance quote. Give us a call at (800) 438-7180. We will be happy to take your information and have a licensed agent in your area contact you with 3-7 business days.

Life Insurance Questions

Our friendly and well-informed representatives are ready to answer your questions and send any information or forms you may need.

We offer personal assistance such as discussing your policy status, reviewing or amending your existing policy, making payment arrangements, or filing a claim.

You can reach us by calling (800) 438‑7180. We are available Monday‑Friday 6:30am‑5:00pm MST or Saturday 6:00am‑2:00pm MST

Please allow up to 5 business days to process your request once it is received at the home office.

Beneficiary changes must be submitted in writing in order to protect your interests. The beneficiary change form may be found here. In addition to naming a primary beneficiary, we recommend naming a contingent beneficiary to receive funds in the event that your primary beneficiary passes away before the insured. If you name multiple beneficiaries, describe exactly how much of the benefit should go to each beneficiary.

Remember to review your choices periodically to ensure they are up to date with your wishes.

You may name a funeral home as your beneficiary, UNLESS you reside in one of the following states:
Florida | Michigan | Maryland | Montana | New Jersey | South Dakota | Tennessee | Texas | West Virginia
We recommend that you name the funeral home to the extent “as their interest may appear” and also name a trusted friend or family member as a contingent beneficiary.

Additional benefits offered through the mail require your signature to be activated. Please return the signed form to us. If the form has been misplaced please contact us and we will promptly send a new form to you. You can reach us at (800) 438‑7180.

Information is only given to the policy owner, unless they authorize another person to do so by contacting us over the phone or in writing.

Pre-Arranged Funeral Policies

Effective July 1, 2012, all services relating to your funeral planning policy will be performed by National Guardian Life Insurance Company, headquartered in Madison, Wisconsin. Please use the contact information listed below for all service requests, claims, inquiries and premium questions.

(800) 988-0826
Monday–Thursday: 7:00 am to 5:00 pm CST
Friday: 7:00 am to 4:30 pm CST

National Guardian Life Insurance Company
PO Box 1191
Madison, WI 53701-1191

Email: ngl@nglic.com

Web: www.nglic.com

Payments and Billing

Yes, We are able to move your payment date as long as the new date falls within your grace period.

IMPORTANT: Please notify us at least 5 days before your payment date at (800) 438‑7180 if you ever need to change the date of your payment or your account information has changed.

If you have a new account number at the same bank that your payments are currently drafting from, you may call to update the account number.

If the bank and/or payer have changed, please fax, email, or mail a completed Service Form along with a voided check or deposit slip from your new bank account.

Please note, if a premium is currently due, you may mail a check or money order for the payment along with the authorization form to keep your premiums paid current. If you wish to have the past due premium deducted from your new account, please indicate that on the form.

IMPORTANT: Please notify us at least 5 days before your payment date at (800) 438‑7180 if you ever need to change the date of your payment or your account information has changed.

Yes. We accept credit or debit cards that have a Visa, MasterCard, or Discover logo. We must speak with the cardholder to authorize payments over the phone.

If you wish to use your credit or debit card for recurring payments using our automatic payment plan, please complete and return the Service Form.

If you are currently using your credit or debit card on our automatic payment plan, but have received a new card, you may call us at (800) 438-7180 to update the card information as long as the name on the card has not changed.

Your policy has a 31-day grace period (60 days in California) to make payments without a lapse in coverage. If your policy has been in-force long enough to accumulate cash value, an Automatic Premium Loan may be available to assist with paying your premiums.

If your policy has lapsed, you may apply for reinstatement of your policy.

If you have questions about the status of your policy or payment arrangements please call us at (800) 438‑7180.

IMPORTANT: Please notify us at least 5 days before your payment date at (800) 438‑7180 if you ever need to change the date of your payment or your account information has changed.

Lincoln Heritage Life Insurance Company understands that there are sometimes natural and physical disasters (tornadoes, hurricanes, fires, floods, etc.) out of our control that can affect one’s ability to keep their policies in force. Lincoln Heritage Life Insurance Company is committed to working with our customers to take reasonable steps (extending grace period, waiving fees, delaying cancellations) necessary to help keep your policies in force. Please give us a call at (800) 438‑7180 and speak with one of our customer service specialists and explain your situation. Our customer service specialists are trained to evaluate and best assist you based off of your unique circumstances.

Please note, although we always do our best to listen and assist when we can, your home state’s Department of Insurance offers consumer assistance and guidance in these matters. Should you need your state’s Department of Insurance’s contact information and complaint filing procedure, please contact our customer service department at (800) 438‑7180.

Contact Us

Customer Inquiries

Customer Serivce representatives are ready for your call
(800) 438-7180 Customer Service
(800) 750-6404 Marketing

Monday — Friday: 6:30 am to 5:00pm MST
Saturday: 6:00 am to 2:00 pm MST


Reach Lincoln Heritage by mail
Lincoln Heritage Life Insurance Company
4343 E Camelback Road
Suite 400
Phoenix, AZ 85018


Call Lincoln Heritage Life Insurance Company at (800) 438-7180
(602) 325-8601 New Applications
(602) 840-0969 Agency
(602) 808-0521 Customer Service
(602) 808-8845 Claims
(602) 224-2247 Social Service Requests